Terms & Conditions

MEMBERSHIP :

(I) Executives of Telecom, Civil, Electrical. PA & PS, Accounts cadre are  eligible.

(II) Non- Executives of the rank of Junior Engineer ( erstwhile TTA) are also eligible.

(III) Members should be permanent employees of BSNL (either absorbed or directly recruited).

(IV) BSNL employees on deputation to other organisations and others who are posted in BSNL on deputation are not eligible.

(V) Members need to be posted in Kolkata Telephones, WB Telecom Circle, ITPC- Kolkata, Cote TW- TX (East).

(VI) Not attached with any other Credit Cooperative society registered with  B.S.N.L. ;

 

LOANS :

(I) Emergency/Short-term Loan–Rs.105,000/- (maximum 21 instalments) ( w.e f. 01-04-2025)

[ Two sureties* are required ] [Eligibility : 3 months salary deduction ]

 

(II) Mid-term/Intermediate Loan–Rs.210,000/- (maximum 30 instalments)
[ Three sureties* are required ] [Eligibility : 6 months membership]

 

(III) Long-term Loan – Rs.3,60,000/- (maximum 60 instalments)
[ Three sureties* are required ] [Eligibility : 1 & 1/2 year membership ]

 

(IV) Special Long-term Loan – Rs.6,00,000/- (maximum 60 instalments)
[ Three sureties* are required ] [Eligibility : 3 years membership ]

 

A member is eligible to get 3 (Three) type of Loan at a time along with Emergency/Short-term Loan- Rs.105,000/- i.e. Mid-term/Intermediate Loan–Rs.2,10,000/-  and either  Long-term Loan – Rs.3,60,000/- or Special Long-term Loan – Rs.6,00,000/-

 

*Sureties are to be in Service till the loan completion of Loanee.

 

 

For further details please contact our office.